If you’ve been denied a credit card hardship plan or offered terms that you can’t afford, credit counseling may get your finances on track.

Americans have record credit card debt totaling nearly $1.2 trillion. A recent study shows the average Oregonian carries just under $6,500 in debt. With such high debt, many card holders are struggling to pay their bills on time,

Sixty-eight percent of retirees reported having outstanding credit card debt in 2024 compared with 40% in 2022 and 43% in 2020, according to the Employee Benefit Research Institute’s 2024 Spending in Retirement Survey.

The total amount of credit card debt nationwide just keeps climbing. Here's how to get rid of your card debt now.